Credit Card Comparison

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Updated 14 Jun 2025   |   Rates updated regularly

Comparing of 192 credit cards

FeaturedApply by 28 August 2025
Citi Rewards 100,000 Bonus Citi Reward Points Offer

On Citi's website

Citi Rewards 100,000 Bonus Citi Reward Points Offer

Balance transfer

N/A

Purchase rate

22.49% p.a. ongoing

Interest-free days

Up to 44 days on purchases

Annual fee

$199.00 p.a. ongoing

Details

  • Receive 100,000 bonus Citi reward Points after spending $5,000 on eligible purchases within the initial 3 months from approval. Terms and Conditions apply.
  • Earn 1 Citi reward point per $1 spent on eligible transactions.
  • Access complimentary insurance for eligible products purchased with your Citi Credit Card. See Terms and Conditions here.
  • Get up to 15% off Limited Time Lux Exclusive hotel offers (up to $250 per booking) booked by 1 March 2026. See Terms and Conditions here.

This product is provided by National Australia Bank Limited, using certain trademarks under license from Citigroup Inc.

Pros & cons

Pros
  • Get 100,000 bonus points when you meet the criteria. That's $400 when you pay with points!
  • Use your Citi Reward Points for a credit back on almost any purchase.
  • Save on your next getaway with 10% off selected hotels on Expedia or Wotif. Book by 31 January 2026 and complete your stay by 30 June 2026.
  • Get $10 cashback every month until 31 October 2025 when you sign up for a Binge Standard (normally $19 per month) or Premium (normally $22 per month) monthly subscription.
  • 5% discount on international flights with Trip.com with no blackout dates. Book by 31 December 2025 for travel by 30 September 2026.
  • Provides Purchase Protection Insurance and Extended Warranty Insurance for added security on your eligible purchases.
  • Get a maximum credit limit of up to $100,000, providing flexibility for larger expenses.
  • Supports Apple Pay, Google Pay and Samsung Pay.
Cons
  • No ongoing introductory balance transfer or purchase offer.
  • Rewards earning is capped at $10,000 in spending per statement period, which works well for moderate spending habits.
  • Each additional card costs $90 annually, with a limit of up to four cardholders.
Virgin Money Anytime Rewards Credit Card (Virgin Money Points Offer)

On Virgin Money's website

Virgin Money Anytime Rewards Credit Card (Virgin Money Points Offer)

Balance transfer

12 months at 0% p.a.

Purchase rate

19.99% p.a. ongoing

Interest-free days

Up to 55 days on purchases

Annual fee

$149.00 p.a. ongoing

Details

  • Earn 80,000 bonus Virgin Money Points when you spend $3,000 on eligible purchases within 3 months of card approval. Terms and conditions apply.
  • Earn 1 Virgin Money Point for every $1 you spend.
  • You can also earn additional points when you spend at HelloFresh, Menulog and more.
  • There is no limit to the points you can earn.

Pros & cons

Pros
  • Earn 80,000 bonus Virgin Money Points when you meet the criteria.
  • Redeem points for cashback, gift cards, Velocity Frequent Flyer transfers, partner hotel stays, or to pay off purchases.
  • Visa Platinum Concierge Service offers the convenience of a personal assistant at your fingertips
  • Visa Platinum Benefits give you priority access to Australia’s top concerts, shows, and sports events before pre-sales and public release.
  • Up to 55 interest-free days.
  • The credit limit starts at $6,000.
  • Compatible with Apple Pay, Google Pay, and Samsung Pay.
Cons
  • The ongoing annual fee of $149 p.a.
  • Does not include complimentary international travel insurance.
  • Cash advance rate is 20.99% p.a.
Apply by 28 August 2025
Citi Rewards Card Balance Transfer and Purchase Offer

On Citi's website

Citi Rewards Card Balance Transfer and Purchase Offer

Balance transfer

15 months at 0% p.a.

Purchase rate

15 months at 0% p.a.

Interest-free days

Up to 44 days on purchases

Annual fee

$199.00 p.a. ongoing

Details

  • 0% p.a. for 15 months on purchases and balance transfers. Balance transfer reverts to cash advance rate after the promotional period.
  • Earn 1 Citi reward point per $1 spent on eligible transactions.
  • Use your Citi Reward Points for a credit back on almost any purchase.
  • Access complimentary insurance for eligible products purchased with your Citi Credit Card. See Terms and Conditions here.
  • Get up to 15% off Limited Time Lux Exclusive hotel offers (up to $250 per booking) booked by 1 March 2026. See Terms and Conditions here.

This product is provided by National Australia Bank Limited, using certain trademarks under license from Citigroup Inc.

Pros & cons

Pros
  • 0% p.a. on balance transfers and purchases for the first 15 months.
  • Save on your next getaway with 10% off selected hotels on Expedia or Wotif. Book by 31 January 2026 and complete your stay by 30 June 2026.
  • Get $10 cashback every month until 31 October 2025 when you sign up for a Binge Standard (normally $19 per month) or Premium (normally $22 per month) monthly subscription.
  • 5% discount on international flights with Trip.com with no blackout dates. Book by 31 December 2025 for travel by 30 September 2026.
  • Provides Purchase Protection Insurance and Extended Warranty Insurance for added security on your eligible purchases.
  • Get a maximum credit limit of up to $100,000, providing flexibility for larger expenses.
  • Supports Apple Pay, Google Pay, and Samsung Pay.
Cons
  • There is a 2% BT fee.
  • Rewards earning is capped at $10,000 in spending per statement period, which works well for moderate spending habits.
  • Each additional card costs $90 annually, with a limit of up to four cardholders.
Virgin Money Anytime Rewards Credit Card (Balance Transfer Offer)

On Virgin Money's website

Virgin Money Anytime Rewards Credit Card (Balance Transfer Offer)

Balance transfer

24 months at 0% p.a.

Purchase rate

19.99% p.a. ongoing

Interest-free days

Up to 55 days on purchases

Annual fee

$149.00 p.a. ongoing

Details

  • 0% p.a. interest for 24 months on balance transfers (1% transfer fee applies). Reverts to cash advance rate of 20.99% p.a.
  • Earn 1 Virgin Money Point for every $1 you spend.
  • There is no limit to the points you can earn.

Pros & cons

Pros
  • You can also earn additional points when you spend at HelloFresh, Menulog and more.
  • Redeem points for cashback, gift cards, Velocity Frequent Flyer transfers, partner hotel stays, or to pay off purchases.
  • Visa Platinum Concierge Service offers the convenience of a personal assistant at your fingertips
  • Visa Platinum Benefits give you priority access to Australia’s top concerts, shows, and sports events before pre-sales and public release.
  • Up to 55 interest-free days.
  • The credit limit starts at $6,000.
  • Compatible with Apple Pay, Google Pay, and Samsung Pay.
Cons
  • There is a 1% BT fee.
  • The ongoing annual fee of $149 p.a.
  • Does not include complimentary international travel insurance.
  • Cash advance rate is 20.99% p.a.
Citi Clear Credit Card

On Citi's website

Citi Clear Credit Card

2.8

Balance transfer

20 months at 0% p.a.

Purchase rate

14.99% p.a. ongoing

Interest-free days

Up to 44 days on purchases

Annual fee

$149.00 p.a. ongoing

Details

  • 0% p.a. for 20 months on Balance Transfers with a 2% fee. Reverts to 22.24% p.a after the promotional period.
  • Has a low ongoing purchase rate, making it more affordable for everyday spending.
  • Access complimentary insurance for eligible products purchased with your Citi Credit Card. See Terms and Conditions here.
  • Get up to 15% off Limited Time Lux Exclusive hotel offers (up to $250 per booking) booked by 1 March 2026. See Terms and Conditions here.

This product is provided by National Australia Bank Limited, using certain trademarks under license from Citigroup Inc.

Pros & cons

Pros
  • Long interest-free balance transfer period (20 months).
  • Pay your Monthly Mobile Plan bill with your Citi Clear Credit Card and you'll be covered for Accidental Damage and Theft.
  • Add up to 4 cardholders for free, making it a great option for most families.
  • My Cashback offers are personalised and require no opt-in or registration.
  • Save on your next getaway with 10% off selected hotels on Expedia or Wotif. Book by 31 January 2026 and complete your stay by 30 June 2026.
  • Get $10 cashback every month until 31 October 2025 when you sign up for a Binge Standard (normally $19 per month) or Premium (normally $22 per month) monthly subscription.
  • 5% discount on international flights with Trip.com with no blackout dates. Book by 31 December 2025 for travel by 30 September 2026.
  • Get a credit limit ranging from a minimum of $2,000 to a maximum of $100,000.
  • Works with Apple Pay, Google Pay, and Samsung Pay.
Cons
  • No rewards program, but this card is about simplicity.
  • High revert rate on balance transfers (22.24% p.a.) after the promotional period.
  • Purchases have no interest-free days while there's a balance transfer.
Virgin Australia Velocity Flyer Credit Card (Balance Transfer Offer)

On Virgin Money's website

Virgin Australia Velocity Flyer Credit Card (Balance Transfer Offer)

3.1

Balance transfer

24 months at 0% p.a.

Purchase rate

20.74% p.a. ongoing

Interest-free days

Up to 44 days on purchases

Annual fee

$149.00 p.a. ongoing

Details

  • 0% p.a. for 24 months on balance transfers with a 1% balance transfer fee. Reverts to the cash advance rate at 20.99% p.a.
  • Earn 0.66 Velocity Points per $1 on eligible spending up to $1,500 per statement period, then 0.5 points per $1 after that.
  • Earn an extra Velocity Point for every dollar spent directly with Virgin Australia using your Flyer Credit Card.

Pros & cons

Pros
  • Receive a $129 Virgin Australia Gift Voucher every year, giving you savings on flights and making travel more affordable.
  • Redeem points for cashback, gift cards, Velocity Frequent Flyer transfers, partner hotel stays, or to pay off purchases.
  • Includes Purchase Protection and Extended Warranty Insurance.
  • Comes with security features such as Fraudshield, Zero Liability policy and more.
  • Compatible with Apple Pay, Google Pay and Samsung Pay.
Cons
  • The ongoing annual fee of $149 p.a.
  • The earn rate drops to 0.5 points per $1 after $1,500 in a statement period.
Virgin Australia Velocity High Flyer Credit Card

On Virgin Money's website

Virgin Australia Velocity High Flyer Credit Card

4.6

Balance transfer

12 months at 0% p.a.

Purchase rate

20.74% p.a. ongoing

Interest-free days

Up to 44 days on purchases

Annual fee

$329.00 p.a. ongoing

Details

  • Earn up to 80,000 bonus Velocity Points. Get 40,000 points each month by spending $3,500 or more on eligible purchases within the first 2 months of card approval. Terms and conditions apply.
  • Receive a $129 Virgin Australia Gift Voucher every year, giving you savings on flights and making travel more affordable.
  • Comes with International and Domestic Travel Insurance, plus an Extended Warranty Service, providing peace of mind and protection for your purchases and travels.

Pros & cons

Pros
  • Earn up to 80,000 bonus Velocity Points when you meet the criteria.
  • Earn 1 Velocity Point per $1 spent on eligible transactions up to $8,000 and 0.5 points per $1 on spending thereafter.
  • Two single entry passes for Virgin Australia domestic lounges every year.
  • Earn 100 Bonus Status Credits each year when you book a Virgin Australia flight.
  • Talk to a personal concierge with Visa Signature, making it easier to get expert assistance when you travel.
  • Get a credit limit of up to $100,000 for larger purchases and expenses.
  • Includes Domestic Rental Vehicle Excess Insurance.
  • Works with Apple Pay, Google Play, and Samsung Pay.
Cons
  • The ongoing annual fee of $329 p.a.
  • Earn rate is tiered, although the base tier is enough for more people.
  • Only up to 44 interest-free days on purchases.
  • There's an annual fee per additional card worth $89 p.a.
Virgin Australia Velocity Flyer Credit Card (Velocity Points Offer)

On Virgin Money's website

Virgin Australia Velocity Flyer Credit Card (Velocity Points Offer)

4.4

Balance transfer

12 months at 0% p.a.

Purchase rate

20.74% p.a. ongoing

Interest-free days

Up to 44 days on purchases

Annual fee

$149.00 p.a. ongoing

Details

  • Earn up to 50,000 bonus Velocity Points when you spend $1,500 each month for the first 2 months. Terms and Conditions apply.
  • 0% p.a. interest for 12 months on balance transfers (2% transfer fee applies). Reverts to cash advance rate of 20.99% p.a
  • Earn 0.66 Velocity Points per $1 on eligible spending up to $1,500 per statement period, then 0.5 points per $1 after that.
  • Earn an extra Velocity Point for every dollar spent directly with Virgin Australia using your Flyer Credit Card.

Pros & cons

Pros
  • Receive a $129 Virgin Australia Gift Voucher every year, giving you savings on flights and making travel more affordable.
  • Redeem points for cashback, gift cards, Velocity Frequent Flyer transfers, partner hotel stays, or to pay off purchases.
  • Includes Purchase Protection and Extended Warranty Insurance.
  • Comes with security features such as Fraudshield, Zero Liability policy and more.
  • Access a Personal Concierge service to help with travel bookings, gift ideas, reservations, and more.
  • Compatible with Apple Pay, Google Pay and Samsung Pay.
Cons
  • The ongoing annual fee of $149 p.a.
  • The earn rate drops to 0.5 points per $1 after $1,500 in a statement period.
Bankwest Breeze Mastercard

Not available for application via this website

Bankwest Breeze Mastercard

3.6

Balance transfer

24 months at 0% p.a.

Purchase rate

12.99% p.a. ongoing

Interest-free days

Up to 55 days on purchases

Annual fee

$49.00 p.a. ongoing

Details

  • Get 0% p.a. interest on balance transfers for 24 months, with a 3% balance transfer fee (then 12.99% p.a. thereafter).
  • An annual fee of $49 p.a., making it an affordable option.
  • Add up to 3 additional cardholders at no extra cost.

Pros & cons

Pros
  • 0% p.a. on balance transfers for 24 months.
  • Low ongoing interest rate of 12.99% p.a. on purchases.
  • Up to 55 interest-free days on purchases.
  • As low as a $1,000 credit limit.
  • Temporarily lock your card anytime using the Bankwest App.
  • Easy Instalment Plans let you spread up to 5 purchases over four monthly payments at 0% p.a.
  • Compatible with Apple Pay, Google Pay and Samsung Pay.
Cons
  • No rewards program on this card.
  • The 3% BT fee.
  • There is a 2.95% foreign transaction fee.
Bankwest Breeze Platinum Mastercard

Not available for application via this website

Bankwest Breeze Platinum Mastercard

3.8

Balance transfer

24 months at 0% p.a.

Purchase rate

12.99% p.a. ongoing

Interest-free days

Up to 55 days on purchases

Annual fee

$59.00 p.a. ongoing

Details

  • Get 0% p.a. interest on balance transfers for 24 months, with a 3% balance transfer fee (then 12.99% p.a. thereafter).
  • No foreign transaction fees.
  • Plus, complimentary overseas travel insurance for you and your family.

Pros & cons

Pros
  • 0% p.a. on balance transfers for 24 months.
  • Low ongoing interest rate of 12.99% p.a. on purchases.
  • Low annual fee of $59 p.a.
  • Add up to 3 additional cardholders at no extra cost.
  • Up to 55 interest-free days on purchases.
  • As low as a $6,000 credit limit.
  • Temporarily lock your card anytime using the Bankwest App.
  • Easy Instalment Plans let you spread up to 5 purchases over four monthly payments at 0% p.a.
  • Compatible with Apple Pay, Google Pay and Samsung Pay.
Cons
  • No rewards program on this card.
  • There is a 3% BT fee.
  • Cash advance rate is 21.99% p.a.
Bankwest Zero Platinum Mastercard

Not available for application via this website

Bankwest Zero Platinum Mastercard

3.1

Balance transfer

6 months at 0% p.a.

Purchase rate

6 months at 0% p.a.

Interest-free days

Up to 55 days on purchases

Annual fee

$0.00 p.a. ongoing

Details

  • 0% p.a. for 6 months on purchases and balance transfers, with a 3% balance transfer fee. (Reverts to 18.99% p.a. thereafter.)
  • No foreign transaction fees, including when you're shopping at an overseas online store.
  • No annual fee to pay for the life of the card.
  • Put up to five eligible purchases on an interest-free payment plan with Easy Instalments.
  • Credit limits start from a minimum of $6,000.

Pros & cons

Pros
  • No annual fee makes this an option for occasional or backup use.
  • Interest-free purchases and balance transfers for 6 months.
  • No foreign transaction fees for foreign currency or overseas purchases.
  • Interest-free repayments for up to five eligible purchases with Easy Instalments.
  • Credit limits start from a minimum of $6,000.
  • Up to 55 days interest-free when you pay the statement balance in full.
  • Balance transfers revert to the purchase rate instead of the higher cash advance rate.
  • Use up to 95% of your credit limit for balance transfers.
Cons
  • There is a 3% fee on balance transfers, which can be added to the balance if desired.
  • You can't earn rewards points, but that's not unusual for a no annual fee card like this.
  • There is a $500 minimum balance transfer amount, although most people transfer more.
Apply by 4 November 2025
American Express Platinum Business Card

American Express Platinum Business Card

4.2

Balance transfer

N/A

Purchase rate

N/A

Interest-free days

Up to 55 days on purchases

Annual fee

$875.00 for 1st year

Details

  • Get 300,000 bonus Membership Rewards points by applying before 4 November 2025, getting approved, and spending $12,000 on your card within the initial 3 months. Exclusive to New American Express Card Members.
  • Reduced first-year annual fee of $875 (regularly $1,750 per year).
  • Earn up to 2.25 pts per $1 spent.
  • Enjoy exclusive Platinum travel, experience, and dining privileges.

Pros & cons

Pros
  • The offer of 300,000 bonus Membership Rewards points when you meet the criteria.
  • Earn up to 2.25 pts per $1 spent and 1 point per $1 spent at the ATO.
  • Access to more than 1,400 lounges globally, including The Centurion® Lounge.
  • Gold status match at Marriott Bonvoy, Hilton Honors, and Premium status at Radisson Hotel Group.
  • Get the Amex Experiences App to access information on Platinum benefits, travel offers, events and recommended merchants.
  • Add up to 99 employee cards at no extra cost.
Cons
  • The annual fee of $1,750 p.a. after the initial year.
  • Since this is a charge card, the balance must be cleared every statement.
  • No balance transfer facility.
Apply by 1 July 2025
American Express Qantas Business Rewards Card

American Express Qantas Business Rewards Card

4.6

Balance transfer

N/A

Purchase rate

23.99% p.a. ongoing

Interest-free days

Up to 51 days on purchases

Annual fee

$225.00 for 1st year

Details

  • Get 150,000 bonus Qantas Points with the American Express Qantas Business Rewards Card when applying by 1 July 2025, getting approved, and spending at least $6,000 within 3 months of approval. Exclusive to new American Express Card Members.
  • Earn 2 Qantas Points per $1 spent on Qantas products and services, up to 1.25 points per $1 spent on everyday spend, and 0.5 Qantas Points per $1 spent on government spend, utilities, and insurance.
  • Once a total of 500,000 Qantas Points is earned in a calendar year, the everyday business earn rate will change from 1.25 to 0.75 Qantas Points per $1 spent.

Pros & cons

Pros
  • Earn 150,000 bonus Qantas Points when you meet the criteria.
  • Pay $225 for the first year (usually $450 p.a.), giving you a solid upfront saving.
  • Includes Complimentary Travel Insurance with coverage for Medical Emergency Expenses, Business Trip Completion, Trip Cancellation and Amendment, and Personal Liability.
  • Two complimentary passes for the Qantas Club lounge every year.
  • Complimentary Qantas Business Rewards membership. Earn Qantas Points for your business with American Express and other partners while saving up to 10% on eligible Qantas flights.
  • A flexible Payment Option is available to spread costs over time for a portion of your balance.

Cons
  • The $450 p.a. annual fee after the initial year.
  • Balance must be repaid in full each month.
  • No concierge service.
  • Lounge passes are valid for Qantas Club and not the international business lounges.
American Express Business Explorer Credit Card

American Express Business Explorer Credit Card

4.6

Balance transfer

N/A

Purchase rate

23.99% p.a. ongoing

Interest-free days

Up to 55 days on purchases

Annual fee

$149.00 p.a. ongoing

Details

  • Earn 50,000 Bonus Membership Rewards Points when you apply online, are approved, and spend at least $3,000 within 3 months of approval. Exclusive to new American Express Card Members.
  • Includes 2 Centurion Lounge passes per year at Sydney and Melbourne airports.
  • Receive complimentary travel insurance when you book your return flight with your card.

Pros & cons

Pros
  • Earn up to 2 points per $1 spent on eligible purchases.
  • Earn 1 point per $1 spend on ATO and government transactions.
  • Use your points to pay off transactions, utilities, annual fee and more.
  • Redeem your rewards for flights, hotel reservations, or car rentals.
  • Transfer points to Virgin Australia, Air New Zealand and Hilton Honors.
  • Shop with your points at Apple, Ikea, JB Hi-Fi and more.
  • No fee for up to 99 employee cards.
  • Up to 55 interest-free days.
  • With the Amex App, you can Monitor business spend and activity 24x7.
  • Manage your account anytime and anywhere with Live Chat Service
Cons
  • There is an annual fee of $149.
  • A 3% foreign transaction fee is in effect.
  • There is no balance transfer offer.
  • Cash advances are blocked, which might be inconvenient for some.
Apply by 15 July 2025
American Express Velocity Business Card

American Express Velocity Business Card

4.6

Balance transfer

N/A

Purchase rate

N/A

Interest-free days

Up to 51 days on purchases

Annual fee

$249.00 p.a. ongoing

Details

  • Earn 120,000 Bonus Velocity Points when you apply online, are approved, and spend at least $3,000 within 2 months of approval. The offer is valid for New American Express Card Members exclusively.
  • Earn 2 points for every $1 spent on Virgin Australia services and up to 1 point per $1 spent on other transactions. Earn 0.5 points per $1 on ATO and government expenditures.
  • Get 2 complimentary single-entry passes to the Virgin Australia Lounge at chosen domestic airports annually.

Pros & cons

Pros
  • Receive 120,000 bonus Velocity Points when you meet the criteria.
  • A charge card that has no pre-set spending limit.
  • You have up to 51 days to pay for purchases.
  • Add up to 99 employee cards.
  • Use your points to pay off transactions, utilities, annual fees, etc.
  • Redeem your Velocity Points to upgrade flights, book hotel reservations, and car rentals.
  • There is no limit to the amount of points you can earn.
  • Set up monthly points transfer to your Velocity account.
  • Option to pay off a portion of your balance.
  • With the Amex App, you can monitor business spending and activity 24x7.
Cons
  • The annual fee of $249 p.a.
  • Each employee card costs $99 p.a.

Credit card types

Credit cards that save money

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    As seen on

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